Savannah Bank, N.A.
Savannah, NY · Cert 14619 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
National charter · OCC · 5 branches
Q2 2026
$187.2MAssets
$91.2MLoans
$170.3MDeposits
$14.0MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 78% of banks under $1B in assets operating in a single state (rank 167 of 746).
- Widest gap: equity / assets trails 91% of banks under $1B in assets operating in a single state (rank 679 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.51%
Rank 630 of 746
Net Interest Margin
2.96%
Rank 621 of 746
Efficiency Ratio
79.98%
Rank 613 of 746
Equity / Assets
7.49%
Rank 679 of 746
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 18% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.72% | 1.06% | 1.45% | Beats 16% | 630 / 746 | |
| Return on Equity | 6.78% | 6.74% | 10.51% | 13.63% | Beats 25% | 559 / 746 | |
| Net Interest Margin | 2.96% | 3.17% | 3.68% | 4.16% | Beats 17% | 621 / 746 | |
| Efficiency Ratio | 79.98% | 55.74% | 64.58% | 75.47% | Beats 18% | 613 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.09% | 0.42% | 1.07% | Beats 64% | 269 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 55% | 337 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 17.81% | 11.55% | 13.75% | 17.60% | Beats 76% | 180 / 746 | |
| Total Risk-Based Capital Ratio | 19.06% | 11.71% | 14.33% | 18.43% | Beats 78% | 167 / 746 | |
| Equity / Assets | 7.49% | 8.90% | 10.51% | 13.06% | Beats 9% | 679 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 53.55% | 61.31% | 78.27% | 90.78% | 16th pctl | 629 / 746 | |
| Loans / Assets | 48.71% | 53.60% | 66.97% | 76.08% | 19th pctl | 603 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |